Financial services

hfsfeltons Financial Services Limited is the in house financial advisory arm of Feltons Accountants.

As professional wealth managers and independent financial advisers we are authorised to deal with many forms of financial services and advise on a wide range of subjects to assist with personal and corporate financial planning. We listen to your needs, and offer clear, no jargon advice on the most appropriate financial products for your particular circumstances.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

Contact Us

 

Senior Staff Contact Points

Colin Hayden-Cook       colin@hfsfeltons.co.uk

Iain Halket                    iain.halket@hfsfeltons.co.uk

Daren O’Toole              daren.otoole@hfsfeltons.co.uk

Services

Our services include:

Investment Advice and Portfolio Management

When selecting the most appropriate savings and investment schemes, it is important to consider not just the funds available, but also individual circumstances and requirements.

 

Retirement Planning and Pensions

Planning financial security for yourself, your family and your dependents is important. There are many areas to consider, and when you are fully committed to your business and home life it is sometimes difficult to keep your affairs fully up to date.

Our expertise includes consolidating old style pension schemes, self-invested personal pensions, annuities and income drawdown.

 

Tax and Estate Planning

We can help you to maximise your tax allowances and where appropriate utilise offshore investments and other tax efficient arrangements.  With specialist tax advice and the use of Inheritance Tax efficient investments and Trusts we can help reduce your inheritance tax liabilities,

 

Mortgages and Finance

Our mortgage advisory service gives you access to over 4,000 mortgage schemes for such things as:

• Residential purchase or remortgage
• Equity Release
• Buy to let and investment property mortgages
• Commercial mortgages

 

There may be a fee charged for mortgage advice. The amount will depend on your circumstances. Any fee would usually range from zero up to a maximum of 1% of the loan arranged. Your home may be repossessed if you do not keep up repayments on the mortgage.

 

Life and Critical Illness Cover

The provision and regular review of the protection needs of yourself, your family and/or your business and employees is important. Typical areas are:

 

• Life assurance and critical illness protection
• Income protection
• Private medical insurance
• Key person protection
• Partnership and Shareholder protection
• Succession funding

 

 

Auto-enrolment

This new pension law now affects every employer in the UK.   Employers must automatically enrol workers into a workplace pension if they are:

  • ·         aged between 22 and state pension age and earn more than £10,000 per year

This is a complicated and time-consuming process, and planning should commence at least 12 months before your staging date.  We can assist with the full implementation requirements including:

 

  • ·         Project management and budgeting
  • ·         assessing your workforce
  • ·         reviewing existing pension arrangements, to see if they comply
  • ·         setting up a qualifying pension scheme with an insurer and/or NEST
  • ·         reviewing your payroll systems
  • ·         Statutory staff communications in respect of Auto-enrolment

 

Corporate Financial Planning

It is increasingly important to put in place and review a good benefit strategy for both directors and employees as an integral part of a successful company. A good employee benefit strategy will enable your company to attract and retain the skilled personnel necessary to meet the challenges of a competitive business environment. Areas to consider are:

 

  • ·         Personal and group schemes
  • ·         Self invested arrangements
  • ·         Property purchase via pensions
  • ·         Retirement counselling
  • ·         Pension review and consolidation service
  • ·         Other employee benefits

 

If you would like to know more about the services we can offer, and how they might be helpful to you, please click on the following link and complete the email

 

hfsfeltons Financial Services Limited is an appointed representative of HFS Milbourne Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority.

 

Important Note

The Financial Conduct Authority does not regulate tax and trust advice, offshore investments, commercial mortgages and some forms of buy to let mortgages, and auto-enrolment guidance.

 

 

hfsfeltons Financial Services Limited
Wonersh House
The Guildway
Old Portsmouth Road
Guildford
Surrey
GU3 1LR

Tel: 01483 468850
Fax: 01483 468890

info@hfsfeltons.co.uk